Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Jubilee HoldingsNAI:JUB -1.31%76 EV-to-FCF is 2.55 as of Jul. 21, 2026, which is 12% above its 10-year median of 2.28. GuruFocus rates NAI:JUB with a GF Score™ of 76/100 and a GF Value™ of KES310.85 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 394 Insurance companies, Jubilee Holdings ranks better than 85.79% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Jubilee Holdings's Enterprise Value is KES17,700 Mil.
Jubilee Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was KES6,942 Mil. Therefore, Jubilee Holdings's EV-to-FCF for today is 2.55.
The historical rank and industry rank for Jubilee Holdings's EV-to-FCF or its related term are showing as below:
NAI:JUB'
s EV-to-FCF Range Over the Past 10 Years
Min: -27.96 Med: 2.28 Max: 20.22
Current: 2.6
During the past 13 years, the highest EV-to-FCF of Jubilee Holdings was 20.22. The lowest was -27.96. And the median was 2.28.
NAI:JUB's EV-to-FCF is ranked better than 85.79% of 394
companies
in the Insurance industry
Industry Median: 9.785
vs NAI:JUB: 2.60
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Jubilee Holdings's PE Ratio (TTM) for today is calculated as:
Jubilee Holdings's share price for today is KES375.50.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Jubilee Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was KES80.000.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Jubilee Holdings EV-to-FCF Related Terms
Jubilee Holdings EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Jubilee Holdings's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, Jubilee Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Jubilee Holdings EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Jubilee Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Jubilee Holdings's EV-to-FCF falls into.
Jubilee Holdings's current Enterprise Value is KES17,700 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Jubilee Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was KES6,942 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Jubilee Holdings (NAI:JUB) has a EV-to-FCF of 2.55 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Jubilee Holdings and its competitors. This is 12% above median its historical median of 2.28. According to the industry distribution chart, Jubilee Holdings ranks #56 out of 394 companies in the Insurance industry, placing it in the top 14.2%.
Is Jubilee Holdings' EV-to-FCF too high?
Jubilee Holdings' current EV-to-FCF of 2.55 is 12% above median its 10-year median of 2.28. The Insurance industry median EV-to-FCF is 9.79. Jubilee Holdings' value of 2.55 is 73.9% below this industry median. Based on the distribution chart, Jubilee Holdings ranks #56 out of 394 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Jubilee Holdings has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jubilee Holdings' EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Jubilee Holdings ranks #56 out of 394 companies for EV-to-FCF. This places Jubilee Holdings in the top 14% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.79. Jubilee Holdings' value of 2.55 is 73.9% below this benchmark. While the company's 10-year median is 2.28 vs. the industry median of 9.79, Jubilee Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.79, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jubilee Holdings's current EV-to-FCF of 2.55 is 73.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Jubilee Holdings and its competitors. For the Insurance industry, the median EV-to-FCF is 9.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jubilee Holdings's current EV-to-FCF is 2.55, which is 12% above median its own 10-year median of 2.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jubilee Holdings stock overvalued right now?
Based on GuruFocus' analysis, Jubilee Holdings (NAI:JUB) is currently considered Modestly Overvalued. The stock's GF Value™ is KES310.85, compared to a current price of KES375.50 — trading 20.8% above its estimated fair value. The current EV-to-FCF is 2.55, which is 12% above median its 10-year median of 2.28 and 73.9% below the Insurance industry median of 9.79. Jubilee Holdings' overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Jubilee Holdings (NAI:JUB), the current EV-to-FCF is 2.55 as of Jul. 21, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Jubilee Holdings (NAI:JUB) Overvalued in 2026?
Based on GuruFocus' analysis, Jubilee Holdings stock appears to be overvalued.
The current stock price of KES375.50 is trading 20.8% above its estimated GF Value™ of KES310.85.
GuruFocus considers Jubilee Holdings to be Modestly Overvalued.
Key valuation signals for NAI:JUB:
EV-to-FCF: 2.55 (12% above median its 10-year median of 2.28)
GF Value™: KES310.85 vs. price of KES375.50 (20.8% above fair value)
Industry Position: 73.9% below the Insurance median (#56 of 394)
No single metric tells the full story. See the NAI:JUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jubilee Holdings Ltd is an insurance company. The Company, through its subsidiaries and associates, provides Life insurance, Health insurance, and property and casualty insurance, retirement products, and broader financial-related services to customers in Kenya, Uganda, Tanzania, Burundi, and Mauritius. It also owns investment companies and financial advisory companies in Kenya, Uganda, Mauritius, Tanzania and Burundi. The company's segment includes General; Health; Ordinary, Group Life and Pensions and Investments. It generates maximum revenue from the Health segment.
76GF Score
Get the complete analysis for NAI:JUB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:JUB has been successfully added to your 
